ELECTRONIC BANKING ON THE CASE OF SKB BANK D.D.

Ljudje bi danes težko delovali brez bank, te nam vedno znova olajšujejo poslovanje in spreminjajo naše življenje. Zaradi globalizacije in razvoja interneta pa se konkurenca med bankami zaostruje iz dneva v dan. Banke še vedno nadgrajujejo svoj sistem elektronskega bančništva, iščejo nove poti in ideje, da bi se še bolj približale svojim komitentom in ohranile konkurenčnost na trgu. Seveda so tudi ljudje, ki so komitenti bank, vedno bolj zahtevni. Internet jim je odprl nove poti do opravljanja različnih bančnih storitev. Komitenti bank od elektronskega bančništva njihove banke pričakujejo 24-urni dostop, dosegljivost iz katerekoli lokacije, brez čakanja v dolgih vrstah in nizke stroške poslovanja. Ljudje prihajajo zaradi svetovnega spleta v stik tudi z drugimi poslovnimi trgi in zato je konkurenca vsak dan večja. Sam uporabljam spletno bančništvo SKB banke d.d., zato sem si želel bolje spoznati ozadje delovanja elektronskega bančništva – storitve, ki jih ponuja, varovanje računov svojih komitentov in ostalo. Čeprav se je elektronsko bančništvo v zadnjih letih že zelo razvilo, mislim, da je še veliko prostora za nove ideje in da bo ta tema v prihodnosti še aktualnejša.Nowadays it would be difficult to operate without banks in business as well as in our private life. Banks are facilitating business and changing our lives. Due to globalization and development of the internet, competition among banks is getting stronger with each day. Banks are still upgrading their electronic banking system. They are looking for new ways and ideas to get closer to their clients and to remain competitive in this market. Bank clients are getting more and more demanding. Internet has opened new ways to do different banking services. Users of electronic banking are expecting 24-hour access to their accounts and transactions, availability from any location, no waiting in lines and low operating costs. Due to the internet, people are getting in contact with other business marketstherefore the competition is growing with each day. I have also been using online banking of SKB bank d.d. That is one of the reasons why I wanted to get to know background of the electronic banking. Among other things, what services they are offering and how they protect their client\u27s accounts. In recent years, the electronic banking has reached a very high level, although I think there is still a lot of room for new ideas